Auto Insurance in Springville, NY
Auto insurance is required to maintain a driver's license in the state of New York, and residents of Springville and the surrounding areas can get the coverage they need from Haddad Agency. We will work closely with you to determine the appropriate level of coverage to meet your needs for your particular vehicle.
The liability coverage component of your car insurance policy protects you in case of any accidents where you are at fault. This coverage takes care of any injury to passengers of the other vehicle, covering their medical expenses that result from the accident. Although the state of New York requires a minimum amount of $25,000 of coverage per person, up to $50,000 per vehicle, you are welcome to opt for additional coverage to provide yourself with further protection.
Liability coverage also provides for any damage to the other person's vehicle. The minimum coverage in this area is $10,000 per accident. Again, you can choose a higher level of coverage in your car insurance policy if you wish to have additional protection.
This aspect of auto insurance coverage is not required by law, but you may wish to add it on to your policy. Collision coverage takes care of any damage to your own vehicle when you are at fault in the accident. Whether or not you choose to obtain this coverage depends largely on the value and condition of your own vehicle. If you drive a newer car, you will undoubtedly want to protect it. However, if your car is older and it would cost more money to repair it than the current value of the vehicle, you can likely do without this coverage. The choice is always up to you.
Get the Car Insurance Coverage You Need
Here at Haddad Agency, we will walk you through all of the available options for vehicle insurance coverage so that you can make an informed decision about which level of coverage to include in your policy. Our associates are highly knowledgeable and can help guide you in the right direction. Call us today to schedule a free consultation to learn more.